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Auto Glass Specialists |
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Phoenix Glass Inc® |
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> FAQ......Insurance Related Questions
This
depends on your insurance coverage here in Tennessee. If you
have a full coverage policy the comprehensive coverage part of your
insurance package is what an incident like that would fall
under. Comprehensive insurance, as a rule, covers most things
that are out of your control such as vandalism, theft, rocks or other
foreign objects including hail or other acts of nature hitting your
vehicle, basically about everything short of a collision in which
case your collision deductible would apply. In either case your
insurance will pay the portion above your deductible. We are
happy to work directly with your insurance carrier. We can
contact them on your behalf, handle the paperwork, arrange for
reimbursement, collect any deductibles and complete the work with no
need for you to worry or delay.
No! We can repair or replace your windshield here in the Knoxville area and also handle billing your insurance provider just the same as if you were back home dealing with a local Auto Glass Repair Center. There are some states like Florida and Virginia where the state law requires all insurance companies selling a full coverage insurance policy with comprehensive to insure everyone with a zero deductible coverage for windshield breakage. Some insurance companies in those states even extend the zero deductible coverage on side and back glasses and some do not, you would have to check with your insurance provider to be sure or if you would like us to, we will be happy to make that call for you. If you are just visiting our state or have recently moved here and have not changed your insurance, the zero deductible coverage may still apply for you.
You would pay your $100.00 deductible to us and we will bill your insurance provider for the remaining balance of the total cost of your claim.
Most windshields break from stones off the highway thrown by other car tires. Because these stone breaks are unrelated to your driving skills, they fall under the comprehensive insurance part of your policy. Some insurance companies refer to comprehensive insurance as "act of nature" or "act of God" incidents because they are not the driver's fault. Other examples of comprehensive claims are as simple as an acorn nut falling from a tree or the dreaded vandalism from a theif breaking into your car. A very small portion of your insurance bill is for comprehensive loss risk. The vast majority of insurance companies will tell you that is what you purchased comprehensive coverage for and your rates won't go up for putting in a comprehensive claim for something that was beyond the scope of your control.
Each insurance company is different. If you feel you may need to file a claim the easiest way to start is to call one of our Customer Service Representatives here at Phoenix Glass and let them know about your glass breakage. We will provide free claim consultation and advise you on the easiest way to file a claim with your particular insurance agency as well as how to minimize your total cost.
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